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Health Insurance

Health insurance solutions that fit your needs

Let us help you protect yourself and your loved ones today

Health Insurance

Protecting your own health and that of your loved ones is so important. From the preventive care that helps reduce the risk of developing a preventable illness, to coverage in the event of a serious illness, our individual health products are always by your side, every hour of the day, every day of the year.

Choose between our local and international plans, based on your budget and needs, and enjoy the support of a network of healthcare providers with the best‑in‑class coverage when you need it most.

Explore our Solutions

Individual Health Insurance

International Major Medical

Individual Health Insurance

International Major Medical

Essential Health

Essential Health is an individual health insurance plan that provides financial protection in the event of a medical emergency, for routine medical care and hospitalization, with annual coverage of up to USD 300,000, renewable for life. This plan offers comprehensive local medical coverage, backed by one of the most extensive medical provider networks in the country, to support you when you need it most.

Summary of Benefits:

Medical expenses and accident‑related emergencies covered at 100%
Emergency care for critical illnesses
Hospitalization, surgeries, outpatient services, and preventive exams
Maternity benefits
Cancer treatments
Outpatient expenses with copayment
Telemedicine services and 24/7 medical assistance, among others

Key Features:

Policyholder and spouse: ages 18 to 65, with permanent residence in Panama
Foreign nationals: local coverage with a valid migration card
Dependent children: up to 25 years old
Medical exams required starting at age 50

Your well‑being and that of your family deserve the best protection. Essential Health is here to take care of you that. To request a quote,

Health Trust

This individual health insurance offers coverage for medical expenses, guaranteeing each insured under the policy lifelong coverage with a renewable annual limit of USD 500,000. It includes life insurance protection of USD 20,000 for the primary insured, repatriation expenses up to USD 3,000, and funeral expenses up to USD 2,000.

Health Trust offers you extensive local and international coverage through our global network of medical providers, including medical expenses, 100% coverage of emergencies due to accidents, critical illness emergencies, hospitalization, outpatient surgeries, preventive exams, maternity coverage, cancer treatments, outpatient expenses with co‑payment, telemedicine service, 24‑hour medical assistance, and other benefits.

Main Features:

Policyholder and spouse aged 18 to 65, with residence in Panama
Foreigners can apply for local coverage with their valid immigration card
Dependent children up to 25 years old
Children from 18 months to 18 years old
Medical exams starting at age 50 (attained age)

Summary of Benefits:

Maternity
Healthy newborn coverage up to USD 10,000
Outpatient surgeries with special co‑payments at the leading hospitals in the country
Single hospitalization co‑payment for the first 10 days
Inclusion of dental emergency service

Think about everyone that depends on you today. Your Health Trust insurance is here to take care of you and everyone you love.

To request a quote, click here.

Family Medical Care

Family Medical Care is a medical expense insurance designed to protect the well‑being of your entire family, including the elderly. Each insured under the policy receives local coverage with a renewable annual limit of USD $50,000 for medical expenses, emergencies, hospitalization, outpatient and elective surgeries, preventive checkups, and other benefits.

The plan offers individual coverage for children. Family Medical Care accepts up to three preexisting conditions and offers guaranteed policy renewal for life.

Main Features:

Policyholder and spouse aged 18 to 75, with residence in Panama
Foreigners apply under the same requirements as citizens, with a valid passport
Dependent children from 2 months to 18 years old
Children can be insured individually, from 2 months to 18 years old
Up to three pre‑existing conditions are accepted
Guaranteed lifetime renewal
Telemedicine service and 24‑hour medical assistance

Think about everyone that depends on you today. Your Family Medical Care insurance is here to take care of you and everyone you love.

To request a quote, click here.

FlexiCancer

This individual health insurance policy offers you financial support to help cover medical and hospital expenses resulting from a cancer diagnosis. FlexiCancer provides insureds with benefits that supplement other coverage.

It offers individual coverage and coverage for your entire family; the premium for family coverage is the same, regardless of the size of your family. The waiting period is 91 days from the policy’s effective date.

Summary of Benefits:

Inpatient hospital coverage
Income protection benefit
Daily benefit for private physician and nurses
Medical fees for surgery (for each surgical procedure)
Treatments such as chemotherapy, radiotherapy, cobalt therapy, and x‑rays (per year)
Blood and plasma benefit
Local ambulance and air transport (per year)

Think about everyone that depends on you today. Your FlexiCancer insurance is here to take care of you and everyone you love.

To request a quote, click here.

Essential Health

Health Trust

Family Medical Care

FlexiCancer

Summary of Benefits:

Medical expenses and accident‑related emergencies covered at 100%
Emergency care for critical illnesses
Hospitalization, surgeries, outpatient services, and preventive exams
Maternity benefits
Cancer treatments
Outpatient expenses with copayment
Telemedicine services and 24/7 medical assistance, among others

Key Features:

Policyholder and spouse: ages 18 to 65, with permanent residence in Panama
Foreign nationals: local coverage with a valid migration card
Dependent children: up to 25 years old
Medical exams required starting at age 50

Your well‑being and that of your family deserve the best protection. Essential Health is here to take care of you that. To request a quote,

For more demanding lifestyles, we have an international Health Insurance line with an international network and access to the best hospitals to care for you and your family, which covers hospitalizations, outpatient benefits, maternity, second medical opinion, and more.

Pan‑American WorldAccess

Pan‑American WorldAccess is designed to give you and your family global coverage with open access to the best hospitals, physicians, and healthcare around the world, including the United States.

Pan‑American WorldAccess is international major medical expense insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 5,000,000.

Summary of Benefits:

Worldwide coverage	Protection in high‑risk sports or hobbies
Hospitalization and outpatient treatment	Palliative care
100 percent coverage of cancer treatment	No deductible for accidents
Organ transplant	No deductible for travel coverage (Plans I, II, III)
Maternity up to USD $10,000	50 percent reduction of deductible (Plans I, II, III)
Preventive checkups	And many more benefits

Think about everyone that depends on you today. Your Pan‑American WorldAccess insurance is here to take care of you and everyone you love.

To request a quote, click here.

Pan‑American PreferredAccess

Pan‑American PreferredAccess is designed to give you and your family global coverage with access to the best hospitals, physicians, and healthcare around the world, including in the United States, through our exclusive network of medical providers.

Pan‑American PreferredAccess is international major medical insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 3,000,000.

Summary of Benefits:

Worldwide coverage, including the United States, through the preferred provider network	Protection in high‑risk sports or hobbies
Hospitalization and outpatient treatment	Palliative care
100 percent coverage of cancer treatment	No deductible for accidents
Organ transplant	No deductible for travel coverage (Plans I, II, III)
Maternity up to USD 4,500	50 percent reduction of deductible (Plans I, II, III)
Preventive checkups	And many more benefits

Think about everyone that depends on you today. Your Pan‑American PreferredAccess insurance is here to take care of you and everyone you love.

To request a quote, click here.

Pan‑American HealthAccess

We understand that your health, and the health of your loved ones deserve unique treatment, customized to your own needs.

Pan‑American HealthAccess offers a range of benefits, guaranteeing each insured under the policy coverage with a renewable annual limit of USD 1,000,000.

Pan‑America HealthAccess provides access to the best hospitals, physicians, and healthcare around the world and in the United States, through our network of medical providers.

Pan‑American HealthAccess is designed to provide protection and peace of mind for you and your family with extensive coverage for medical expenses, hospitalization, outpatient treatment, cancer treatment, preventive checkups, no deductible for accidents, and other exclusive benefits.

You can choose maternity coverage providing up to USD 4,000, available in our Pan‑American HealthAccess Plus plan.

Summary of Benefits:

Worldwide coverage, including the United States, through the preferred provider network	Palliative care
Hospitalization and outpatient treatment	No deductible for accidents
100 percent coverage of cancer treatment	No deductible for travel coverage (Plans I, II, III)
Organ transplant	50 percent reduction of deductible (Plans I, II, III)
Preventive checkups	And many more benefits
Protection in high‑risk sports or hobbies

Think about everyone that depends on you today. Your Pan‑American HealthAccess insurance is here to take care of you and everyone you love.

To request a quote, click here.

Pan‑American WorldAccess

Pan‑American PreferredAccess

Pan‑American HealthAccess

Pan‑American WorldAccess is designed to give you and your family global coverage with open access to the best hospitals, physicians, and healthcare around the world, including the United States.

Pan‑American WorldAccess is international major medical expense insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 5,000,000.

Summary of Benefits:

Worldwide coverage	Protection in high‑risk sports or hobbies
Hospitalization and outpatient treatment	Palliative care
100 percent coverage of cancer treatment	No deductible for accidents
Organ transplant	No deductible for travel coverage (Plans I, II, III)
Maternity up to USD $10,000	50 percent reduction of deductible (Plans I, II, III)
Preventive checkups	And many more benefits

Think about everyone that depends on you today. Your Pan‑American WorldAccess insurance is here to take care of you and everyone you love.

To request a quote, click here.

This is not an offer or solicitation to sell insurance products. The information above constitutes a summary of the different product benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.